Abstract: Systems and methods provide for an automated system for analyzing damage to insured property. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a mobile device for analysis at the server in real time. Depending on network conditions, the mobile device may transfer images to the server in high definition or low definition. The server may send notifications to the mobile device to remind a user of the mobile device to capture and transfer images to the server. The server may analyze images to provide feedback to the insured user (e.g., insurance estimates).

Abstract: The present embodiments relate to an improved data feed. In an embodiment, an electronic exchange, when generating a data feed, in particular a price data feed, purposefully chooses to include the inside market and/or last traded price but purposefully leaves out the market depth. The market depth may be omitted to provide an optimal marketplace.

Abstract: An example computing device is programmed to: (a) detect an attempt to secondarily access a user account, the user account being involved in an ongoing primary financial session with a primary device; (b) raise the level of authentication required to secondarily access the user account beyond that which was required to access the account for the primary financial session; (c) when successful authentication at the raised level is achieved, permit secondary access to the user account through a secondary financial session and compare one or more user activities occurring during the secondary financial session to a plurality of fraud profiles; and (d) indicate fraud when comparison of the user activity is consistent with one or more of the plurality of fraud profiles.

Abstract: Systems and methods for enabling a non-custodial parent to purchase goods and service directly from merchants for a child while getting acknowledgement and consideration under a child support program for the purchased goods and services from the merchant. The method includes receiving an obligation file from an entity associated with a child support case. The obligation file includes information related to obligation agreement and obligation amount between a custodial parent and the non-custodial parent of the child. A unique ID is generated for both the custodial parent and the non-custodial parent, and a common account is created for both the custodial parent and the non-custodial parent with a merchant using the unique ID. The method facilitates delivery of an item or service to the custodial parent, via the merchant using the common account, and payment of the item or service is performed by the non-custodial parent using the common account.

Abstract: A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: determining a first physical location of a user; comparing the first physical location to data indicative of network availability; and in response to comparing the first physical location to data indicative of network availability, generating a first electronic token and a second electronic token for a mobile computing device associated with the user.

Abstract: Method and System for performing secure card less transactions using a user device is disclosed. Initially, an authenticated banking application is downloaded on the user device wherein the downloaded application is linked to a user by a unique ID. To perform a transaction, the user logs in to the downloaded application and after login the user device and the ATM are securely paired, wherein the ATM also has a location based unique ID. The secure pairing process uses parameters such as a specific application identifier and a transaction terminal identifier. Once the user initiates the secure pairing process, the ATM displays a unique number generated by the bank server. The unique number is linked to the user and is entered in the portable device. Further, biometric authentication is performed and after validating a token ID is generated where a User specific UI is obtained and rendered onto the user device.

Abstract: An augmented reality system includes an augmented reality user device and a digital wallet. The digital wallet includes items associated with a user. The augmented reality user device includes a head mounted display, a memory, and processors. The display overlays virtual objects onto a field of view of the user. The processors overlay the digital wallet contents on a field of view of the user so that the user may select one of the items for use in an electronic transaction. For example, the processors request and receive an inventory of the digital wallet and overlay a graphical representation of the items within the field of view of the user via the display. The processors detect a hand gesture and identify a selected item based on the hand gesture. The processors generate a transfer token based on the identified item and transmit it to the electronic transaction terminal.

Abstract: There are provided systems and methods for a preloaded digital wallet token for networkless transaction processing. A user may utilize a communication device while shopping at physical merchant locations, such as retail storefronts, where the communication device may provide transaction processing services through a mobile application executing on the communication device. The communication device may provide transaction processing services through the application in an offline environment by utilizing a preloaded digital token having encrypted data, for example, where the communication device loses network connectivity. The encrypted data may include information necessary to resolve transaction processing by a merchant device receiving the token from the communication device. Moreover, the encrypted data may include limitations on use of the token for transaction processing, such as location limitations and/or transaction amount or time limits.

Abstract: Methods, non-transitory computer readable media, and natural language understanding (NLU) service device are disclosed that receive raw requests for price quotes for financial instruments from two or more different types of communication channels and via one or more communication networks. The raw requests are in two or more different formats and comprise unstructured data. The unstructured data of the raw requests is analyzed to identify key value(s) associated with the raw requests. The raw requests are then automatically transformed based on the identified key value(s) into price quote request(s) comprising structured data in particular format(s) required by pricing application(s) hosted by pricing server device(s). The price quote request(s) are output to one or more of the pricing application(s) via another one or more communication networks in order to facilitate automated pricing of the financial instruments.

Abstract: A method and system may provide trip-based passenger insurance for autonomous vehicles. A server device may receive vehicle identification information for an autonomous vehicle that is providing transportation services for a user on a vehicle trip. Based on the vehicle identification information, the server device may transmit trip-based passenger insurance premiums to the user. When the user selects one of the trip-based passenger insurance premiums, the server device may provide a passenger insurance policy for the vehicle trip to the user.

Abstract: Systems and methods are disclosed for generating vehicle insurance rates based on driver-independent variables and/or driver-dependent variables. Vehicle insurance rates may additionally or alternatively be based on changes in the level of autonomy of vehicles. In some embodiments, a density of vehicles near a target vehicle may be tracked. Vehicle insurance rates may be determined based on the vehicle density. Furthermore, systems and methods are disclosed for analyzing a driver's use of autonomous vehicle features and/or the driver's maintenance of the autonomous vehicle. The driver may also be taught certain driving skills by enabling vehicle teaching features. The driver's response to these teaching features may be monitored, and a reward or recommendation may be generated and provided to the driver based on the driver's response.

Abstract: A system and method includes configuring a computer system to provide output of one or more advertisements of products to a user device of a consumer, receiving, by the computer system, one or more inputs of impressions, clicks, orders and other KPIs, estimating, by the computer system, for a click through rate (CTR) of advertisements of the products based on the inputs received, optimizing, by the computer system with an optimization module, an estimated revenue and estimated advertisement spending (Adspend) based on the CTR of advertisements, and providing, by the computer system, output of one or more advertisements of the products to the user device of the consumer for display.

Abstract: An example operation may include one or more of receiving, by a participating peer, an accident certificate associated with a claim, extracting, by the participating peer, an accident type data from the accident certificate, receiving, by the participating peer, a repair estimate associated with the accident certificate, the repair estimate containing a value and repair steps, executing, by the participating peer, a smart contract to obtain from a blockchain an average value and a standard deviation for the value of the repair estimate based on the accident type data, subtracting, by the participating peer, the average value from the value of the repair estimate and dividing a subtraction result by the standard deviation to obtain a deviation of the value of the repair estimate, and in response to the deviation of the value of the repair estimate exceeding a threshold value, declining the repair estimate for the claim by the participating peer.

Abstract: System, method and program for tracking labor expended concurrently by a person for a plurality of different projects or accounts. First program instructions generate a display of a list of the plurality of projects or accounts and a respective plurality of fields for the plurality of projects or accounts indicating whether labor expended by the person will be allocated to the respective plurality of projects or accounts. Second program instructions are responsive at least in part to the plurality of fields with indications that labor expended by the person will be allocated to the respective plurality of projects or accounts, by allocating a portion of elapsed time to each of the plurality of projects or accounts. The time can be allocated equally or unequally to the different projects or accounts as indicated by the person.

Abstract: A system for building a targeted audience for a present online advertising campaign is disclosed. The system comprises a database for storing data related to each of the plurality of products with each product associated with a previous online advertising campaign and a processor in communication with the database and configured to execute computer-readable instructions causing the processor to utilize the data to identify at least one previous online advertising campaign as being similar to the present online advertising campaign, learn from the identified previous online advertising campaign(s) to predict a probability of conversion of each of a plurality of customers when exposed to an impression of the present online advertising campaign, and build the targeted audience for the present online advertising campaign based on the predicted probability of conversion. A method for building a targeted audience for a present online advertising campaign is also disclosed.

Abstract: A data aggregation and processing engine optimizes underwriting decisions in the life insurance industry by using social media data to reduce the level of underwriting required. Social media data enables underwriting thresholds based on risk assessments and credibility correlations within publicly available social media data sets with options for opting into more detailed analysis of private social data. Activity monitors further refine appropriate underwriting actions together with correlations with provided biographical data.

Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for processing a transaction. In one embodiment, a system is introduced that enables a communication between applications. The communication occurs through the use of one or more gestures that enable the request for information, funds, items for purchase and the like. In another embodiment, a system if introduced that enables a unified multi-marketplace communication. The communication includes the use of gestures for the transfer of information, funds, items for purchase, discounts, etc., using a unifying entity. The unifying entity can be a financial institution, payment provider, or the like that may be used to carry a transaction between applications allowing for a single checkout.

Abstract: Apparatuses, systems, methods, and computer program products are disclosed for item level data aggregation. A method includes aggregating a set of transactions for a user. A method includes identifying a transaction made with a third party. A method includes using electronic credentials for a user to login to an account on a hardware server. A method includes downloading item-level data for transactions from a hardware server of a third party. A method includes matching a transaction to an identified transaction. A method includes associating downloaded item-level data for a matched transaction with an identified transaction. A method includes displaying an aggregated set of transactions to a user. A method includes displaying identifiers for a plurality of items within an identified transaction to a user in response to receiving predefined user input relative to the identified transaction in a displayed set of transactions.

Abstract: An electronic resource processing method and a device are provided. The method includes sending, by a first terminal, an electronic resource transfer attribute to a second terminal, generating, by the second terminal, an electronic resource transfer request, based on the electronic resource transfer attribute and an encryption identifier for performing electronic resource transfer processing, and sending, by the second terminal, the electronic resource transfer request to a server. The method further includes querying, by the server, an associated account of the second terminal, based on the encryption identifier, performing, by the server, transfer processing on electronic resources in the associated account of the second terminal, based on the electronic resource transfer attribute, and notifying, by the server, the first terminal and the second terminal of a result of the transfer processing.

Abstract: A method and system may provide customers with rates from multiple insurance providers for purchasing trip-based passenger insurance in autonomous vehicles. A server device may receive vehicle identification information for an autonomous vehicle that is providing transportation services for a user on a vehicle trip. Based on the vehicle identification information, the server device may obtain trip-based passenger insurance premiums from multiple insurance providers and transmit the trip-based passenger insurance premiums and indications of the corresponding insurance providers to the user. When the user selects one of the trip-based passenger insurance premiums, the server device may provide a passenger insurance policy for the vehicle trip to the user.